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Importance of Critical Illness Insurance Policy for Heart Attack Treatment

Published On Apr 08, 2020, Updated On Jun 26, 2020

A heart attack is one of the most common serious health conditions that many people in India succumb to. 

Also referred to as Myocardial Infarction, a heart attack occurs when the constant oxygen-rich supply to the heart experiences a sudden interruption. 

Talking about heart attack symptoms, you may experience

  • Crushing chest pain
  • Shortness of breath
  • Pain or discomfort in the jaw
  • Pain in neck, back, stomach, or arms
  • Sickness or nauseous feeling 

Remember, changing of position doesn’t alleviate the heart attack pain. 

If experiencing the above symptoms including dizziness, cold sweat, and a sick or nauseous feeling, you must call the emergency services quickly. 

It is always a wise decision to be prepared with critical illness insurance for heart attack to keep financial concerns at bay.  It is because not having critical illness insurance for heart attack makes the struggle even worse. 

Heart Attack Treatment – Cost Without Critical Illness Insurance?

The cost of heart attack treatment depends on the treatment type and the treatment type depends on the damaged occurred. 

If your cardiologist suggests Coronary Artery Angioplasty, it may cost between Rs. 1 Lakh up to Rs. 3 Lakh. Note that the cost of angioplasty depends on:

  • City
  • Type of hospital
  • Room type
  • Doctor’s fees
  • Patient age
  • And a couple of other factors. 

In case,  open heart surgery or CABG (Coronary Artery Bypass Graft) is suggested by your cardiologist, it may cost you any amount between Rs. 1.5 Lakh up to Rs. 4 Lakh. 

People recommended medical management by their cardiologists can also expect a significant amount of sum shelling out. 

Learn that irrespective of the treatment type, heart attack patient is required to be on complete bed rest for a period of at least 1-2 months. This means that the patient cannot perform any of the routine activities let alone stepping out of the house to earn their livelihood. 

All in all, handling heart attack treatment without critical illness insurance can leave one in immense emotional and financial stress. 

Why Should I Buy Critical Illness Insurance for Heart Attack Treatment?

Having health insurance, in general, frees an individual from facing financial concerns of any kind. 

In case of critical illness, and that too heart attack, possessing financial support in the form of critical illness insurance is a nothing less than a blessing.

After all, an insurance policy for heart attack prevents you from a series of unwanted situations. 

When you have a plan for heart attack cover, you neither have to spend your savings nor sell your assets. The financial burden that the complete family has to bear apart from changing their lifestyle just to meet the financial needs is also not required. 


It is because the critical illness insurance for heart attack covers you for the treatment cost. 

One of the best features of a critical illness policy is that it provides you with a lump sum amount (in a single transaction) just upon diagnosis of a heart attack. Thereafter, it is up to you to make the best possible use of the lump sum benefit. 

Note that you would be free to use this lump sum amount on treatment, care, and recovery as per your requirements. 

What’s more is that you would also be free to use the money given by your insurers for substituting the lost income, paying off debts, and even adapting to lifestyle changes in some cases. 

All in all, critical illness insurance for heart attack takes away all your finance-related stress, thereby providing your financial stability as well as peace of mind, even in a critical situation. 

Also Read

Things You May Not Know About Critical Illness Health Insurance In India

Health Insurance To Be Mandatory for Employees Post Lockdown


Buy critical illness insurance for heart attack cover even if you possess a health insurance policy at present. 

While your existing health insurance policy may help you cover medical expenses up to a specific limit, critical illness insurance for heart attack will prevent you from facing financial instability before, during, or after the treatment. 

Ready to invest in one of the best health insurance plans for heart attack cover? Check: If It's Time to End Your Search for Health Insurance Plans for Heart Patients 

Also, don’t forget to read: Critical Insurance Policies - How to Choose the Right One?

Need more information on critical illness insurance policies for heart attack? Call  InsuranceDekho experts at 1800-1205-698 right away!

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